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Get a better understanding of your borrowing position

  • Find out how much you could borrow
  • Peace of mind that it won't affect your credit rating
  • Overview of stamp duty and other costs, not just mortgage repayments

Pre-qualify to start your home buying journey

Our pre-qualification tool is more than just a calculator, giving you a personalised understanding of your borrowing position. You don't need any paperwork. Unlike pre-approval, we don't complete a credit check so your credit rating isn't affected.

  • 1
    Pre-qualify to know your actual borrowing power.
  • 2
    Submit your home loan application in branch or apply online.
  • 3
    All going well, you receive full approval to purchase your home.

What does pre-qualifying involve?

It's a quick-and-easy process to allow you to better understand your lending position, prior to applying for a home loan.

In only a few minutes, we'll estimate your borrowing costs, including stamp duty, lenders mortgage insurance (LMI) and any applicable first home buyer incentives for each State. You may also be eligible for government support to purchase a home. 

You'll get a personalised home lending summary delivered straight to your inbox. We'll also give you a follow up call to answer any questions and guide you through your next steps

Please note, if you are self-employed or there are more than two borrowers, please call us on 1300 236 344.

Am I eligible?

To pre-qualify you must be:

  • 18 years old or over
  • Seeking a loan for personal use and not for business or commercial purposes
  • Employed and/or have a regular income source (at least one borrower for a joint loan)
  • Looking to borrow less than $2.5 million

If you are looking to borrow more than $2.5 million to purchase a property, you will need to call us on 03 5485 7932


What will I need?

This isn't a pre-approval, so you don't need to provide any paperwork and we won't do a credit check.

To give you a real estimate of your eligibility and any borrowing costs we will need some general details about you and the property including:

  • Your name and contact details
  • Your income, expenses and liabilities
  • Details of the property you've found, or;
  • The type of property you hope to buy.

Not the right tool, right now?

Buying a home is a big step. Depending on where you are in your current home buying journey you might need a different kind of support.

I'm not quite ready...

You're just after a general idea of repayments or the amount you could borrow before you start looking at properties.

Try one (or all) of our home loan calculators instead.

Get pre-approved

Pre-approval means a lender has provided an obligation-free estimate on the amount you can borrow to purchase a property.

Its quick and easy!

I'm ready to apply!

You've crunched all the numbers, found a property, and you're ready to buy.

Speak with one of our lending specialists at a time and place that suits you.

Woah! I'm only just getting started.

There's a lot of information out there and you're wondering where to even start...

Try exploring our home loan glossary to understand key terms, or visit our first home page for steps on where to start.

Things you should know

* Roy Morgan Single Source Data 2024

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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